Men rescued after fire tears through home

Two men have had a lucky escape after a fire tore through their Lake Macquarie home this morning.

A 30-year-old with autism and his carer, aged 51, were trapped inside, the younger man unconscious, surrounded by flames when two people on their morning commute raised the alarm.

Along with neighbours, they dialled Triple Zero but quickly realised there was no time to lose, rushing into the burning building to help the two trapped men.

Witnesses who saw the smoke were quick to rush in and save the resident and his carer. Picture: 9NEWS (9NEWS)Within minutes, the home was engulfed in flames. Picture: 9NEWS (9NEWS)Even the cars in the driveway were left burnt-out wrecks. Picture: 9NEWS (9NEWS)

"There were five of us, jumped the fence. Two big blokes jumped through the window, dragged them over to the window and we just dragged them out through the window."

Within minutes, the home was engulfed in flames.

The 30-year-old resident suffered smoke inhalation and remains in a serious but stable condition in hospital after the blaze broke out at the Cooranbong property about 6am.

One of the men is treated by paramedics after being trapped in the fire. Picture: 9NEWS (Supplied)This is all that remains of the Cooranbong property. Picture: 9NEWS (9news)The 51-year-old carer suffered from minor smoke inhalation and was treated at the scene. Picture: 9NEWS (9NEWS)

His 51-year-old carer suffered minor smoke inhalation and was treated at the scene.

Neighbours were alerted to the fire when they smelt smoke and saw the flames tear through the timber house.

"People were jumping over the fence to pull the unconscious men out. It was really scary," said neighbour Amanda Field.

Stuart O'Keefe from the Rural Fire Service said the men were very lucky to make it out.

"They were trapped, finding it hard to get out of the building, so it was very lucky for them," he said.

Brave neighbours and witnesses dragged the two men out through a window. Picture: 9NEWS (9NEWS)Investigations into the blaze are continuing. Picture: 9NEWS (Nine)

"The fire was very intense at the time, there was a lot of smoke, a lot of heat and a lot of materials around the building. It was very fortunate for those people that it wasn't too early in the morning."

The Freemans Drive home and three cars in the driveway were destroyed in the blaze.

Emergency services were on scene to extinguish the fire and investigators remain on the scene to determine the cause.